When we meet with families and start to talk about care and housing options, it's not unusual for them to ask if Medicare covers what we are recommending. Typically, the answer is no.
Medicare covers very limited supports around long-term care and typically that's a short-term care stay, such as an inpatient rehabilitation usually following a hospitalization -- for example, when someone has had a cardiac event, or they're recovering from a hip fracture and surgery. They go to rehabilitation to recover and get stronger, with the goal that they'll eventually transition back to their home. Medicare will cover that to some extent.
When it comes to paying for your long-term care, however, it's typically covered through personal funds as an out-of-pocket expense.
Some people have long-term care insurance policies that can also supplement those expenses.
Medicaid funding is available to individuals with limited income and meet other eligibility requirements. Eligibility and services covered vary from state to state.
There's a whole other universe of planning that comes along if someone's thinking that they will need Medicaid at some point in their life. That's also something that we can coach families about.
Additionally, depending on military service, the individual needing long-term care may also qualify for Department of Veterans Affairs benefits.
Here in Washington State we also have a number of PACE programs (Program of All-Inclusive Care for the Elderly) , a "Medicare program that provides care and services to people who otherwise would need care in a nursing home. PACE covers medical, social service, and long-term care costs for frail people."
Overwhelmed by the options and now sure where to start? We can help! If you live in the greater Seattle-Bellevue area, CLICK HERE to schedule a FREE get-acquainted call today!
If you live outside the area, you can find an Aging Life Care Expert near you by visiting the Aging Life Care Association.
Resources
This podcast is part of a longer conversation between Nicole Amico Kane, Director of Care Management at Aging Wisdom, and Brenda Dodd, Director of Training and Special Projects at Áegis Living on "Navigating Care and Housing Options."
When we meet with families and start to talk about care and housing options, it's not unusual for them to ask if Medicare covers what we are recommending. Typically, the answer is no.
Medicare covers very limited supports around long-term care and typically that's a short-term care stay, such as an inpatient rehabilitation usually following a hospitalization -- for example, when someone has had a cardiac event, or they're recovering from a hip fracture and surgery. They go to rehabilitation to recover and get stronger, with the goal that they'll eventually transition back to their home. Medicare will cover that to some extent.
When it comes to paying for your long-term care, however, it's typically covered through personal funds as an out-of-pocket expense.
Some people have long-term care insurance policies that can also supplement those expenses.
Medicaid funding is available to individuals with limited income and meet other eligibility requirements. Eligibility and services covered vary from state to state.
There's a whole other universe of planning that comes along if someone's thinking that they will need Medicaid at some point in their life. That's also something that we can coach families about.
Additionally, depending on military service, the individual needing long-term care may also qualify for Department of Veterans Affairs benefits.
Here in Washington State we also have a number of PACE programs (Program of All-Inclusive Care for the Elderly) , a "Medicare program that provides care and services to people who otherwise would need care in a nursing home. PACE covers medical, social service, and long-term care costs for frail people."
Overwhelmed by the options and now sure where to start? We can help! If you live in the greater Seattle-Bellevue area, CLICK HERE to schedule a FREE get-acquainted call today!
If you live outside the area, you can find an Aging Life Care Expert near you by visiting the Aging Life Care Association.
Resources
This podcast is part of a longer conversation between Nicole Amico Kane, Director of Care Management at Aging Wisdom, and Brenda Dodd, Director of Training and Special Projects at Áegis Living on "Navigating Care and Housing Options."